Cars · LTA’s COE renewal rules
COE renewal: what it costs this month, and when to renew
What renewing your COE costs this month, worked out from LTA’s results, and whether your expiry date makes it cheaper to renew now or wait a month.
Cat A cars, November 2026
$129,883
for 10 years. $64,942 for 5 years.
Cat B cars, November 2026
$131,819
for 10 years. $65,910 for 5 years.
Cat A cars, December 2026
$134,151
if the next round closes where the last did. Cat B $132,445. Renew now or wait?
To renew, pay the PQP to LTA online before the COE expires: no agent or fee needed if you pay in full. Over $100,000 needs SGQR PayNow, not eNETS. How to pay Need a loan? OCBC lends directly at 2.78% flat; SGcarmart Connect compares lenders. Compare
We earn from one link on this page. If you renew through SGcarmart Connect after using our referral link, SGcarmart pays us S$30. It doesn’t change your price, and nothing else on this page is paid for. What we checked
What renewing your COE will cost
Renew now, or wait for next month’s PQP?
You don’t bid to renew: you pay the PQP, the average of the last six rounds’ premiums. Which month’s PQP you pay depends on when you renew, and LTA gives two choices as the COE runs out. Renew with the PQP for the month the COE expires and the new COE starts the day after the old one ends. Renew earlier with the month before’s PQP and the new COE starts on the 1st of the expiry month: the days of the old COE in that month are lost.
- November 2026’s PQP is out $129,883 for Cat A, $131,819 for Cat B. It can be used until the end of November.
- December 2026’s PQP comes out after 18 Nov 2026 once the second round of November closes at 4 pm. LTA’s worked example lets you renew with it from the Friday after, 20 Nov 2026, if no public holiday falls that week.
- The expiry date Renew by this day to avoid a late fee. After it, the car is deregistered and can’t be driven until the COE is renewed.
- One month after expiry The last day to renew, with the PQP of the expiry month and a late fee. After that, LTA requires the vehicle to be disposed of.
Giving days up can still pay. If the PQP is rising, last month’s cheaper PQP can save more than the days are worth; if it is falling, waiting for the expiry month’s PQP wins. The calculator puts a value on the days you would lose and compares the two for your expiry date.
From LTA’s COE renewal rules and their worked example (a COE expiring on 5 August), read 14 Nov 2026. The round dates are from LTA’s bidding schedule. Every round
5 years or 10 years
A 5-year renewal costs half the PQP (rounded up to the dollar), so the yearly cost is the same either way. The real difference is what happens next.
| Vehicle | 10 years | 5 years | After a 5-year renewal |
|---|---|---|---|
| Cat A car | $129,883 $12,988 a year | $64,942 $12,988 a year | Can’t renew again: the vehicle must be deregistered |
| Cat B car | $131,819 $13,182 a year | $65,910 $13,182 a year | Can’t renew again: the vehicle must be deregistered |
| Cat C goods vehicle or bus | $91,814 $9,181 a year | $45,907 $9,181 a year | Can renew again, 5 years at a time, until the vehicle’s lifespan ends |
| Cat D motorcycle | $11,392 $1,139 a year | $5,696 $1,139 a year | Can’t renew again: the vehicle must be deregistered |
PQP for renewals in November 2026. Rules from LTA’s COE renewal page, read 14 Nov 2026: 10-year renewals of Cat A, B and D vehicles can be repeated with no limit; cars have no statutory lifespan (except tuition cars registered to companies).
- 5 years suits a car you expect to replace within 5 years. You commit half as much cash now, and a smaller loan is repaid over at most 5 years. But for a car it is final.
- 10 years keeps the option to renew again at 20. If you sell or scrap the car early, the COE rebate pays back the unused part: the PQP you paid × months left ÷ 120.
- A loan runs at most 7 years on a 10-year renewal and 5 on a 5-year one, at the lenders below.
What other owners chose
LTA counts every renewal. From January to September 2026, 69% of Cat A renewals were for 5 years, against 39% of Cat B: most Cat B owners chose 10. Nearly all Cat C renewals are for 5 years; Cat C is the one category that can renew for 5 years again.
| Year | Cat A | Cat B | Cat C | Cat D |
|---|---|---|---|---|
| 2024 | 64% 2,922 of 4,581 | 26% 1,152 of 4,484 | 94% 11,235 of 11,894 | 38% 2,229 of 5,811 |
| 2025 | 65% 4,811 of 7,455 | 29% 1,869 of 6,492 | 93% 12,727 of 13,717 | 35% 1,769 of 5,119 |
| 2026 to September | 69% 6,079 of 8,843 | 39% 3,508 of 9,048 | 94% 10,743 of 11,398 | 36% 1,666 of 4,577 |
Share renewed for 5 years, and how many of all renewals. From LTA’s monthly COE revalidation statistics (table M10), read 14 Nov 2026, counted by the PQP month used, to September 2026. LTA reports with a two-month lag because owners get a month’s grace. All categories: 32,783 renewals in 2025, and 33,866 from January to September 2026.
Renew or deregister at 10 years
Renewing keeps a car you know, but three costs change at 10 years. The PARF rebate goes for good: a car more than 10 years old gets none, so a car deregistered before its COE runs out gets a PARF rebate (for a car registered around 10 years ago, 50% of the ARF it paid), and a renewed one never will. The road tax goes up each year, as below. And repairs on an older car are a cost no table here can price for your car.
LTA adds a surcharge to the road tax of any vehicle more than 10 years old: 10% in its eleventh year, 20%, 30%, 40%, then 50% from the fifteenth year on.
| Engine | Road tax a year | Surcharge, 5 years | Surcharge, 10 years |
|---|---|---|---|
| 1,496 cc | $682 | $1,023 | $2,728 |
| 1,598 cc | $742 | $1,113 | $2,967 |
| 1,998 cc | $1,210 | $1,815 | $4,839 |
Road tax by LTA’s formula for petrol cars, surcharge from LTA’s road tax page, both read 14 Nov 2026, for a first renewal at 10 years. Electric cars pay road tax by motor power plus a flat component; check LTA’s figure for yours.
Work out the PARF and COE rebate you’d get by deregistering instead. Put the rebate beside the calculator’s total above: that is the choice in money.
Paying with a loan: flat rate against EIR
COE renewal loans are quoted as a flat rate: interest on the whole loan for the whole term, even as you pay it down. The effective interest rate (EIR) is what that really costs a year: OCBC’s 2.78% flat is 5.19% EIR over 7 years. Compare EIRs, not flat rates.
| Way to pay | Flat rate | EIR, 7 years | Interest |
|---|---|---|---|
| Pay LTA in full yourself | – | – | $0 |
| OCBC COE Renewal Loan | 2.78% | 5.19% | $25,275 |
| SGcarmart Connect | 2.88% | 5.36% | $26,184 |
- Pay LTA in full yourself: No loan, no fee. Online, by eNETS Debit or SGQR PayNow.
- OCBC COE Renewal Loan: Up to 100% of the PQP, up to 7 years on a 10-year renewal. OCBC states EIR 5.19% over 7 years.
- SGcarmart Connect: “From” 2.88% on its page; 2.78% in the images it gives referrers. Compares banks and in-house lenders; 100% of the PQP; 5 years at most on a 5-year renewal, 7 on a 10-year one.
Interest on $129,883, this month’s Cat A PQP for 10 years, over 7 years. Rates read on each lender’s page on 14 Nov 2026; “from” rates depend on the lender’s assessment, so your offer may be higher. The EIR is worked out by us (monthly instalments, the yearly rate they imply), and matches OCBC’s own 5.19%. SGcarmart’s link is our referral link; see SGcarmart Connect. We found no other bank with a COE renewal loan rate on its own website; in-house lenders don’t publish theirs.
MAS limits car loans for buying a car to 7 years and 60% or 70% of the price (MAS). Its notice to banks, last revised on 29 October 2026, says nothing about renewing a COE; the 100% and 7-year terms above are the lenders’ own. A loan is a debt on the car for most of its new COE: if you plan to sell within a few years, check the early repayment terms before you sign.
Renewing it yourself: paying LTA
- Check the expiry date and the PQP Both are on LTA’s OneMotoring site (log in with Singpass). The expiry date is also on the vehicle log card.
- Renew online On OneMotoring, any time except midnight to 6 am.
- Pay up to $100,000 by eNETS Debit Personal internet banking with DBS/POSB, OCBC, Standard Chartered or UOB. Banks set a lower daily limit by default; raise it in your bank’s app first, as a cooling period may apply.
- Over $100,000, pay by SGQR PayNow Scan the QR code in your banking app and authorise it there. A 10-year Cat A or B renewal is over this limit at November’s PQP ($129,883 and $131,819).
From LTA’s COE renewal page, read 14 Nov 2026. LTA charges nothing on top of the PQP for a renewal on time. If you need a loan, the lender or an agent arranges the payment instead.
If you miss the expiry date
Miss the expiry date and the car is deregistered at once: it can’t be driven until the COE is renewed. You then have one month to renew, at the PQP of the month the COE expired, plus a late fee.
| Vehicle | Late fee |
|---|---|
| Private car, 1,000 cc and below | $50 |
| Private car, 1,001 to 1,600 cc | $100 |
| Private car, 1,601 to 2,000 cc | $150 |
| Private car, 2,001 to 3,000 cc | $200 |
| Private car, More than 3,000 cc | $250 |
| Motorcycle | $50 |
| Company car, goods vehicle, bus and others | $250 |
From LTA’s COE renewal page, read 14 Nov 2026.
SGcarmart Connect, and our referral link
SGcarmart Connect is SGcarmart’s COE renewal service. It is not a lender: it finds you a loan from banks and in-house lenders, then does the LTA paperwork. Its page lists:
- loans “starting from” 2.88% (flat), with 100% of the PQP financed. The share images SGcarmart gives referrers say 2.78%. We can’t tell which is current, so the loan table uses the page’s 2.88%;
- a free pre-COE car inspection and advice on when to renew;
- quotes from several lenders compared for you, and all the renewal paperwork done;
- “up to $600 petrol credits & perks” in the referrer images, with “T&Cs apply”. We couldn’t find those terms, so we don’t know what qualifies.
If you don’t need a loan, you don’t need an agent: you can pay LTA yourself and SGcarmart’s own page says so. If you do, compare its quote with OCBC’s published rate before you choose. Submitting SGcarmart’s form also agrees to SGcarmart and its affiliates contacting you with marketing.
What our link does, from SGcarmart’s terms
- We get S$30 if you complete a renewal through SGcarmart within 90 days of sending its enquiry form. You get nothing extra, and pay nothing extra: the terms set no reward or discount for the person referred.
- Last click counts. If you open several members’ links, the last one before you send the form gets the reward; after the form is sent, it is fixed.
- One reward per vehicle. Repeat enquiries for the same car count once. If you already have a renewal enquiry open with SGcarmart, a new link doesn’t count.
- SGcarmart checks it. It approves the reward about 3 working days after the renewal is completed, and can reverse it if the renewal is cancelled.
From the SGcarmart Refer & Earn Product Terms, COE Renewal, version 1, effective 11 November 2026, read 14 Nov 2026; SGcarmart Connect’s page read 14 Nov 2026. SGcarmart’s line is 6744 3540, Monday to Saturday, 10.30 am to 6.30 pm. Not an SGcarmart page: Numbers.sg is not part of SGcarmart.
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Questions
How much does it cost to renew a COE this month?
Renewing a COE in November 2026 costs $129,883 for a Cat A car and $131,819 for a Cat B car for 10 years, or half that ($64,942 and $65,910) for 5 years. You pay this PQP to LTA online, before the COE expires; a 5-year renewal of a car can be done only once.
How do I renew my COE?
Pay the PQP for your vehicle’s category to LTA, online on OneMotoring, before the COE expires. You don’t bid. If you are paying from your own money, that is all: no agent and no fee. If you need a loan, the lender or an agent such as SGcarmart Connect arranges the payment. The steps
Can I renew my COE early?
Yes. Renew with the PQP of a month before the one your COE expires in and the new COE starts on the 1st of the month after that PQP’s month, so you give up the rest of the old COE. It is worth it when the earlier PQP is cheaper by more than the days you give up. The calculator compares the two for your date.
How is the PQP worked out?
It is the average of the Quota Premiums of the last three months’ bidding rounds, six rounds in all, rounded up to the dollar. Each month’s PQP is published after that month’s second round and is used for renewals the month after. The six rounds behind this month’s PQP
Can I renew a 5-year COE again?
Not for a car or motorcycle. LTA lets Cat A, B and D vehicles renew for 5 years only once; when that COE ends, the vehicle must be deregistered. Cat C goods vehicles and buses can keep renewing for 5 years at a time until their lifespan ends. A 10-year renewal can be repeated.
My car’s COE was bought in Cat E. Which PQP do I pay?
The PQP of the car’s own category, A or B. LTA’s rule is that a vehicle registered with a Cat E COE renews under its matching category from A to D. Cars registered with COEs from before May 2022 use the rules of that time: up to 1,600 cc and 97 kW for Cat A.
Do I lose my PARF rebate if I renew?
Yes. A car more than 10 years old gets no PARF rebate, so once you renew at 10 years it is gone for good. If you sell or scrap the car before the renewed COE runs out, you still get a COE rebate on the part you haven’t used. Work out your PARF rebate
Does road tax go up after I renew?
Yes, because of the car’s age rather than the renewal: LTA adds 10% to the road tax of a vehicle more than 10 years old, rising by 10 points a year to 50% from the fifteenth year. The surcharge in dollars
My COE has expired. Can I still renew?
Within one month of the expiry date, yes, at the PQP of the month it expired plus a late fee of $50 to $250. The car can’t be driven until you do. After a month, LTA requires the vehicle to be disposed of. Late fees
Do I get anything for using your SGcarmart link?
No. SGcarmart pays us S$30 if you complete a renewal through it after using our link, and its terms give the person referred nothing extra. Your price is the same with or without the link. What the terms say
How we work it out
- The PQP is worked out by us from every round’s premium in LTA’s results on data.gov.sg, the way LTA does it (the mean of the last six rounds, rounded up), and matches the Cat A PQP LTA reports through SingStat in 197 of 197 months since 2010. Next month’s estimate assumes the month’s second round closes where the first did. Same job as COE results.
- The renewal rules, worked example, late fees and road tax are LTA’s, typed in by us from its OneMotoring pages on COE renewal, road tax and the tax structure for cars, read 14 Nov 2026. We don’t link OneMotoring, as its terms don’t allow it without LTA’s permission.
- The days you give up by renewing early are valued at the renewal price per day (price × days ÷ the renewal’s days). That is how much COE you pay for and don’t use; it isn’t a refund LTA pays.
- Loan rates are read on each lender’s own page. The EIR is the rate that makes the monthly instalments repay the loan, × 12, which matches OCBC’s stated EIR. Renewal counts are LTA’s table M10.
- The calculator runs in your browser: nothing you type is sent anywhere.
- One link on this page pays us: SGcarmart’s referral link (S$30 for a completed renewal). No lender, dealer or other company pays us, and the order of the loan table is fixed (paying cash first, then by rate), not by what pays. See our disclaimer, how we get our numbers and corrections.
Contains information from COE Bidding Results / Prices (Land Transport Authority) accessed on 14 Nov 2026 from the data.gov.sg website, which is made available under the terms of the Singapore Open Data Licence version 1.0. Numbers.sg is independent and is not endorsed by data.gov.sg.
Changes to this page
No corrections yet. The first one will be listed here, with the date and what changed.
New: COE renewal. This month’s PQP for 5 and 10 years and our estimate for next month, a calculator that says whether your expiry date makes it cheaper to renew now or wait a month (valuing the COE days you give up), with the loan’s real rate, the road tax surcharge and any late fee; what other owners chose from LTA’s renewal counts; and paying LTA yourself. Carries one disclosed referral link (SGcarmart). See the page